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Low Interest Credit Card Offers

Low interest credit cards can be a powerful addition to your financial tool belt. These cards can make significant amounts of credit available to average consumers without charging an arm and a leg in interest payments. This makes it easier for you to manage your finances without incurring extra debt in the process. Credit cards with a low APR are a great way to save money on whatever it is you're buying, whether you're using it to purchase day-to-day necessities or more expensive big-ticket items.
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Best Credit Cards from Credit-Land.com Credit Recommended: Excellent / Good

PURCHASES:

Intro APR on Purchases: 0% (up to 15 months)
Regular APR: See Site

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (up to 21 months)
Regular APR: See Site
Balance Transfer Fee: See Site

FEES:

Annual Fee: $0
Application Processing Fee: See Site
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Intro APR on Purchases: 0% (up to 15 months)
Regular APR: See Site
Intro APR on Balance Transfers: 0% (up to 21 months)
Regular APR: See Site
Balance Transfer Fee: See Site
Annual Fee: $0
Application Processing Fee: See Site

Best Credit Cards from Credit-Land.com Credit Recommended: Excellent / Good

Card details:

0% Intro APR on Purchases and Balance Transfers; a variable go-to APR applies after that.Balance transfer fee between 3% and 5%.Unlimited rewards on all purchases. Show More
No Annual Fee.
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Horizon Gold Credit Recommended: Bad/No

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 0.00%

BALANCE TRANSFERS:

Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See terms

FEES:

Annual Fee: See Terms
Application Processing Fee: See Terms
Horizon Card Services: {Horizon Gold}
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Intro APR on Purchases: n/a
Regular APR: 0.00%
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See terms
Annual Fee: See Terms
Application Processing Fee: See Terms

Horizon Gold Credit Recommended: Bad/No

Card details:

Must have Active Debit Card or Credit Card to qualify.Instant $500 Credit Line.No Credit Check. Show More
No Employment Check.Reports to a Major Credit Bureau.Fast Online Application.Bad Credit accepted.
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Simmons Rewards Visa Signature® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 10.25% (variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 10.25% (variable)
Balance Transfer Fee: NONE

FEES:

Annual Fee: NONE
Application Processing Fee: See Terms
Simmons Bank: {Simmons Rewards Visa Signature®}
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Intro APR on Purchases: N/A
Regular APR: 10.25% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: 10.25% (variable)
Balance Transfer Fee: NONE
Annual Fee: NONE
Application Processing Fee: See Terms

Simmons Rewards Visa Signature® Credit Recommended: Excellent

Card details:

Excellent Credit Required - Applicants that do not have excellent credit will not be approved.Low 10.25% variable standard purchase APR and platinum benefits.No Annual Fee. Show More
No balance transfer fee for balances transferred in response to this online offer.Travel Rewards - cardholders who enroll in the program receive 1.25 points per net dollar spent.Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants.
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Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Bad/No

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 9.99% (Fixed)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: n/a

FEES:

Annual Fee: $48
Application Processing Fee: None
Applied Bank®: {Applied Bank® Secured Visa® Gold Preferred® Credit Card}
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Intro APR on Purchases: n/a
Regular APR: 9.99% (Fixed)
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: n/a
Annual Fee: $48
Application Processing Fee: None

Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Bad/No

Card details:

Better than Prepaid…Go with a Secured Card! Load One Time - Keep On UsingAbsolutely No Credit Check or Minimum Credit Score RequiredAutomatic Reporting to All Three National Credit Bureaus Show More
9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are LateActivate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
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Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: 0% (12 months on Purchases)
Regular APR: 12.90% - 22.90% Variable APR

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 12.90% - 22.90% Variable APR
Balance Transfer Fee: 3% of each balance transfer (minimum $5)

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Amalgamated Bank of Chicago: {Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card}
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Intro APR on Purchases: 0% (12 months on Purchases)
Regular APR: 12.90% - 22.90% Variable APR
Intro APR on Balance Transfers: N/A
Regular APR: 12.90% - 22.90% Variable APR
Balance Transfer Fee: 3% of each balance transfer (minimum $5)
Annual Fee: $0
Application Processing Fee: See terms

Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card Credit Recommended: Excellent

Card details:

0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthinessEarn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account openingEarn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive Show More
No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!Earn Points on Every Purchase! It´s simple: $1 = 1 PointNo Annual FeeSelect Your Rewards Your WayNo Foreign Transaction Fee
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OpenSky® Secured Visa® Credit Card Credit Recommended: Bad / No

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 17.39% (variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $35
Application Processing Fee: See Terms
Capital Bank: {OpenSky® Secured Visa® Credit Card}
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Intro APR on Purchases: N/A
Regular APR: 17.39% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $35
Application Processing Fee: See Terms

OpenSky® Secured Visa® Credit Card Credit Recommended: Bad / No

Card details:

No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.Build credit quickly. OpenSky reports to all 3 major credit bureaus. Show More
99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.*View our Cardholder Agreement located at the bottom of the application page for details of the card.
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Simmons Visa® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 8.25% (variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 8.25% (variable)
Balance Transfer Fee: NONE

FEES:

Annual Fee: NONE
Application Processing Fee: See Terms
Simmons Bank: {Simmons Visa®}
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Intro APR on Purchases: N/A
Regular APR: 8.25% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: 8.25% (variable)
Balance Transfer Fee: NONE
Annual Fee: NONE
Application Processing Fee: See Terms

Simmons Visa® Credit Recommended: Excellent

Card details:

Excellent Credit Required - Applicants that do not have excellent credit will not be approved.Low 8.25% variable standard purchase APR and platinum benefits.No Annual Fee. Show More
No balance transfer fee for balances transferred in response to this online offer.
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Next Millennium Credit Recommended: Bad/No

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 0%

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: N/A
Application Processing Fee: $29.95 Account Activation Fee
Apply now
Intro APR on Purchases: N/A
Regular APR: 0%
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: N/A
Application Processing Fee: $29.95 Account Activation Fee

Next Millennium Credit Recommended: Bad/No

Card details:

Enjoy a $1,000 Credit Line!No Credit Checks & No Credit Turndowns!Buy Now...Pay Later! Show More
Low Monthly Payments!
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First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 9.99% (V)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $49
Application Processing Fee: N/A
Synovus Bank: {First Progress Platinum Prestige Mastercard® Secured Credit Card}
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Intro APR on Purchases: N/A
Regular APR: 9.99% (V)
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $49
Application Processing Fee: N/A

First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No

Card details:

Receive Your Card More Quickly with New Expedited Processing OptionNo Credit History or Minimum Credit Score Required for ApprovalQuick and Complete Online Application Show More
Full-Feature Platinum Mastercard® Secured Credit CardGood for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit HistoryCredit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with ApplicationJust Pay Off Your Balance and Receive Your Deposit Back at Any Time24/7 Online Access to Your AccountNationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
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Pay Balances Faster With Low Interest Rate Credit Cards

It isn't the initial principal (the original money borrowed on your card) that takes people years to pay off - it's the interest that accrues on top of that principal. The higher the interest rate, the longer you'll be paying off your principal, and the more money you'll spend doing it. Essentially, the longer it takes you to pay off a purchase you made on a card, the more that item is going to cost you in the end.

However, when you know that your credit card balance will be rolling over from one billing cycle to the next, considering low interest credit card offers can be the best thing for you and your wallet. When you have a card with a low APR, a bigger portion of your credit card payments will go toward paying down your principal, as opposed to the interest that is accruing on the balance. Thus, such cards allow you to pay off your balance faster.

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Frequently Asked Questions:

How to lower interest rate on credit card?

When you want to lower the interest rate on your credit card, you can contact your credit card issuer and ask them to lower your interest rate. Most banks will approve your request provided your credit account is in good standing and you don’t have late fees. Another way to lower your interest rate is to transfer your card balance on a new credit card with lower rate. Before you do it, make sure the new card is indeed a better deal.

What is APR? How do I know my APR?

APR or Annual Percentage Rate is the yearly interest rate on your credit card. The banks distinguish introductory, ongoing, fixed and variable APRs; APR on purchases, cash advance APR, penalty APR and so on and so forth. Many credit cards have a grace period for new purchases. If you make purchases and pay the card balance off by the due date, you won’t be charged the interest. To find out what your interest rate on a credit card will be, look at the credit card offer. You will see one particular APR or a range of APRs. If you see the range of interest rates, your APR will be determined by a credit card issuer based on your creditworthiness and after you submit your application.

What is a low interest rate for a credit card?

Credit cards can come with interest rates below 19.99% and with 0% introductory APRs. An introductory period with a 0% intro APR varies from bank to bank but as a rule it is not less than six months. You can find a credit card with 0% intro APR for a year or more provided your credit is good enough to qualify. If credit card doesn’t have a 0% introductory APR your interest rate will be determined based on your credit score and creditworthiness.

How low can credit card interest rates get?

The interest rate can be 0% but only as a promotional offer and for a certain period of time. People with excellent credit can get interest rate as low as below 10%. However, every cardholder can avoid interest payments if they pay off the card balance in full each month. Today almost every credit card has a grace period of at least 21 days during which you can pay off your credit card bill without having to pay interest. The grace period applies to new purchases only.

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